All insurance products have some limitations and exclusions you should understand.
This insurance plan will not pay for expenses such as:
- a pre-existing condition (as applicable for the coverage period of each trip)
- the continued treatment or recurrence of a medical condition if you are able to return to Canada and choose not to return
- a medical condition for which you delayed or refused treatment or investigation before your departure date
- treatment, except on an emergency basis, without prior-approval
- participation in professional sports, speed contests, SCUBA diving (unless certified), hang-gliding, sky diving, parachuting, bungee jumping, parasailing, spelunking, mountain or rock climbing, or a flight accident except as a passenger in a commercial airline
- pregnancy, childbirth or related complications within 9 weeks of the expected birth
- mental, nervous or emotional disorders, intentional self-injury, suicide or attempted suicide
- injury while under the influence of drugs or alcohol, while committing or attempting to commit an offence, or due to riot, civil disorder or voluntary exposure to risk, such as war
- travel to a sanctioned country or for which a travel advisory has been issued
- any trip undertaken against the advice of a physician
- circumstances you were aware of when you bought this plan
You won't receive benefits for your baggage or personal items if they are damaged as the result of:
- Radiation or war, confiscation by a government authority or interception for contraband or illegal transportation or trade
- Loss caused by normal wear and tear, gradual deterioration, insects, or vermin
- Negligence or criminal acts
This plan also doesn't insure the following items:
- Animals; automobiles (including equipment and contents), trailers, motorcycles, bicycles, boats, motors, other vehicles or their accessories; souvenirs; fragile or collectible items; consumable or perishable goods; household effects and furnishings; contact lenses, non-prescription sunglasses; artificial teeth and prostheses; medical equipment and appliances; money, securities; tickets, documents; any property pertaining to a business, profession or occupation; personal computers, tablet computers, software or cellular phones;
- Loss or damage to jewelry, gems, watches and furs or garments trimmed with fur and camera equipment while in the custody of an airline or Common Carrier;
- Loss of covered and non-covered items sustained due to any process or while being worked upon;
- Loss of covered and non-covered items sustained due to confiscation by any government authority; war (declared or undeclared); contraband or illegal transportation or trade;
- Loss incurred while you are performing a negligent act(s) or criminal act(s); items specifically or otherwise insured.
To minimize loss, you should also take reasonable steps to limit damage to your property covered by this insurance.
If you do not notify your travel provider and the Allianz Global Assistance Operations Centre 1-877-807-7806 within 48 hours of a claim event occurring, the benefit payable may be reduced. Prior medical history may be reviewed when a claim is submitted. For certain expenses, including medical expenses, you may need to obtain approval prior to incurring the expense.
This information is only a summary. Limitations and exclusions apply. For full details see the Insurance Policy.